{"id":13788,"date":"2025-09-01T14:59:55","date_gmt":"2025-09-01T14:59:55","guid":{"rendered":"https:\/\/akteon.es\/?p=13788"},"modified":"2026-03-06T08:23:55","modified_gmt":"2026-03-06T08:23:55","slug":"guia-practica-per-a-refinancar-la-teva-hipoteca","status":"publish","type":"post","link":"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/","title":{"rendered":"Guia pr\u00e0ctica per a refinan\u00e7ar la teva hipoteca pas a pas"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_section][vc_row][vc_column][vc_column_text css=&#8221;&#8221; font_size=&#8221;15px&#8221;]Refinan\u00e7ar una hipoteca pot ser una de les decisions financeres m\u00e9s intel\u00b7ligents si es fa amb coneixement i assessorament professional. Amb els tipus d\u2019inter\u00e8s en constant moviment i les necessitats personals que poden canviar amb el temps, con\u00e8ixer com ajustar la teva hipoteca et permetr\u00e0 estalviar diners i optimitzar la teva economia. En aquesta guia et detallem pas a pas com dur a terme un refinan\u00e7ament hipotecari, qu\u00e8 cal tenir en compte i quins s\u00f3n els avantatges i riscos.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e771f33a178{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e771f33a178\"><span class=\"vcex-heading-inner wpex-inline-block\">Analitza la teva situaci\u00f3 financera actual<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Tot i que pot semblar l\u00f2gic acudir directament al teu banc de confian\u00e7a quan decideixes Demanar una hipoteca, la veritat \u00e9s que aquesta decisi\u00f3 et pot costar milers d&#8217;euros al llarg dels anys si no realitzes una comparativa entre diferents entitats. \u00c9s un dels errors m\u00e9s comuns i, al mateix temps, m\u00e9s f\u00e0cils d&#8217;evitar si et assessores b\u00e9 des del principi.[\/vc_column_text]<style>.vcex-heading.vcex_69e771f33b078{color:#000000;font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e771f33b078\"><span class=\"vcex-heading-inner wpex-inline-block\">Avalua la teva quota actual i els tipus d\u2019inter\u00e8s<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Comprendre el termini restant i les condicions del teu pr\u00e9stec actual \u00e9s clau per saber si la refinan\u00e7aci\u00f3 ser\u00e0 rendible. Tingues en compte penalitzacions per amortitzaci\u00f3 anticipada i altres cl\u00e0usules que puguin afectar l\u2019estalvi final.<\/p>\n<p>Enlla\u00e7 recomanat: An\u00e0lisi complet de la teva hipoteca[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e771f33c318{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e771f33c318\"><span class=\"vcex-heading-inner wpex-inline-block\">En quins casos conv\u00e9 refinan\u00e7ar una hipoteca?<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Saber quan \u00e9s el moment adequat per refinan\u00e7ar pot marcar la difer\u00e8ncia entre estalviar diners o perdre\u2019ls. Alguns dels casos m\u00e9s habituals inclouen:<\/p>\n<ul>\n<li>Quan els tipus d\u2019inter\u00e8s han baixat significativament respecte al moment en qu\u00e8 vas contractar la hipoteca.<\/li>\n<li>Quan la teva situaci\u00f3 econ\u00f2mica ha millorat i pots accedir a millors condicions, com un tipus m\u00e9s baix o menys comissions.<\/li>\n<li>Quan vols reduir la quota mensual per ajustar-la a la teva capacitat de pagament.<\/li>\n<li>Quan vols reduir el termini de la hipoteca per pagar menys interessos en total.<\/li>\n<li>Quan busques condicions m\u00e9s flexibles, com la possibilitat de subrogaci\u00f3 o la simplificaci\u00f3 de productes vinculats.<\/li>\n<\/ul>\n<p>Si vols saber m\u00e9s sobre hipoteques pots llegir el nostre article: &#8220;<a href=\"https:\/\/akteon.es\/ca\/demanar-una-hipoteca-5-errors-comuns-a-evitar\/\" target=\"_blank\" rel=\"noopener\">Demanar una hipoteca: 5 errors comuns a evitar<\/a>&#8220;[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e771f33d5f2{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e771f33d5f2\"><span class=\"vcex-heading-inner wpex-inline-block\">Com comparar les ofertes de refinan\u00e7ament<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]\u00c9s fonamental comparar diverses ofertes abans de prendre una decisi\u00f3. Cada entitat financera t\u00e9 condicions diferents: tipus d\u2019inter\u00e8s, comissions, productes vinculats i flexibilitat. Limitar-se a la primera opci\u00f3 pot suposar perdre estalvis importants.[\/vc_column_text]<style>.vcex-heading.vcex_69e771f33e02d{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e771f33e02d\"><span class=\"vcex-heading-inner wpex-inline-block\">Tipus d\u2019inter\u00e8s i quotes<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Verifica tant el tipus nominal com el TAE (<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/podemosayudarte\/simuladores\/calculo_tae_prestamo_personal.html\" target=\"_blank\" rel=\"noopener\">Taxa Anual Equivalent<\/a>), ja que aquest inclou tots els costos associats a la hipoteca. Aix\u00f2 et permet tenir una visi\u00f3 completa de la despesa real que comportar\u00e0 cada oferta.[\/vc_column_text]<style>.vcex-heading.vcex_69e771f33eab0{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e771f33eab0\"><span class=\"vcex-heading-inner wpex-inline-block\">Condicions i flexibilitat<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Compara terminis, comissions d\u2019obertura o amortitzaci\u00f3, i possibilitats de subrogaci\u00f3. Aquesta an\u00e0lisi completa garanteix que escullis l\u2019opci\u00f3 que millor s\u2019adapta al teu perfil.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e771f33fbf8{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e771f33fbf8\"><span class=\"vcex-heading-inner wpex-inline-block\">Pas 1: Coneix els costos de refinan\u00e7ar<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Refinan\u00e7ar no \u00e9s gratu\u00eft: hi ha costos que cal tenir presents per assegurar que l\u2019operaci\u00f3 sigui rendible. Entre els m\u00e9s comuns hi ha:<\/p>\n<ul>\n<li><strong>Comissi\u00f3 d\u2019obertura o cancel\u00b7laci\u00f3 anticipada<\/strong>: alguns bancs cobren per tancar la hipoteca antiga o obrir la nova.<\/li>\n<li><strong>Despeses notarials i registrals<\/strong>: inclouen notari, registre de la propietat i impostos associats.<\/li>\n<li><strong>Productes vinculats<\/strong>: assegurances, plans de pensions o domiciliacions que poden incrementar la despesa global.<\/li>\n<\/ul>\n<p>Cal calcular si els estalvis mensuals superaran aquests costos i en quant de temps recuperar\u00e0s la inversi\u00f3 inicial.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e771f340c45{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e771f340c45\"><span class=\"vcex-heading-inner wpex-inline-block\">Pas 2: Revisa la documentaci\u00f3 necess\u00e0ria<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Per iniciar qualsevol refinan\u00e7ament, necessitar\u00e0s preparar una s\u00e8rie de documents: n\u00f2mines, declaraci\u00f3 d\u2019IRPF, extractes bancaris, certificat de l\u2019hipoteca actual i valoraci\u00f3 de l\u2019immoble. Tenir-ho tot a punt accelerar\u00e0 el proc\u00e9s i reduir\u00e0 errors.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e771f341c7a{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e771f341c7a\"><span class=\"vcex-heading-inner wpex-inline-block\">Pas 3: Escull un intermediari hipotecari de confian\u00e7a<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Tot i que \u00e9s possible refinan\u00e7ar directament amb un banc, comptar amb un intermediari com <a href=\"https:\/\/akteon.es\/ca\/\" target=\"_blank\" rel=\"noopener\"><strong>\u00c0kteon<\/strong><\/a> aporta avantatges clars:<\/p>\n<ul>\n<li>Compara m\u00faltiples entitats de manera objectiva i sense cost per a tu.<\/li>\n<li>Accedeix a condicions que, com a particular, podries no aconseguir.<\/li>\n<li>T\u2019ofereix assessorament personalitzat, guiant-te en cada pas del proc\u00e9s.<\/li>\n<\/ul>\n[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e771f342c71{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e771f342c71\"><span class=\"vcex-heading-inner wpex-inline-block\">Pas 4: Signatura i seguiment<\/span><\/h2>[vc_column_text css=&#8221;&#8221;]Un cop triada l\u2019oferta, revisa tots els detalls abans de signar. Assegura\u2019t que els terminis, tipus d\u2019inter\u00e8s i productes vinculats coincideixen amb el que havies acordat. Despr\u00e9s de la signatura, \u00e9s recomanable fer un seguiment peri\u00f2dic per assegurar que la refinanciaci\u00f3 compleix amb els objectius previstos d\u2019estalvi i flexibilitat.[\/vc_column_text][vc_column_text css=&#8221;&#8221;]Refinan\u00e7ar la teva hipoteca \u00e9s una oportunitat per estalviar diners, millorar la flexibilitat del teu pr\u00e9stec i adaptar-lo a les teves necessitats actuals. Amb un estudi complet, comparant ofertes, calculant costos i comptant amb un intermediari especialitzat, pots aconseguir condicions avantatjoses i m\u00e9s transpar\u00e8ncia.<\/p>\n<p>Si est\u00e0s pensant en refinan\u00e7ar la teva hipoteca, no ho facis sol. <strong>L\u2019equip d\u2019\u00c0kteon<\/strong> t\u2019acompanya en tot el proc\u00e9s, trobant la millor soluci\u00f3 segons el teu perfil i objectius.<br \/>\nContacta amb nosaltres i comen\u00e7a a estalviar des del primer dia.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div><style>.vcex-heading.vcex_69e771f343c81{color:var(--wpex-accent);font-size:26px;}<\/style><h2 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e771f343c81\"><span class=\"vcex-heading-inner wpex-inline-block\">Preguntes freq\u00fcents sobre refinan\u00e7ament d\u2019hipoteques<\/span><\/h2><style>.vcex-heading.vcex_69e771f34461a{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e771f34461a\"><span class=\"vcex-heading-inner wpex-inline-block\">Es pot refinan\u00e7ar una hipoteca m\u00e9s d\u2019una vegada?<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]S\u00ed, per\u00f2 cada refinan\u00e7ament implica costos i comissions. Per aix\u00f2 es recomana avaluar amb cura la rendibilitat abans de fer un nou canvi.[\/vc_column_text]<style>.vcex-heading.vcex_69e771f3451b5{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e771f3451b5\"><span class=\"vcex-heading-inner wpex-inline-block\">Quant es triga a completar el refinan\u00e7ament?<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]Dep\u00e8n de l\u2019entitat, per\u00f2 normalment entre 1 i 2 mesos, incloent valoraci\u00f3 de l\u2019immoble, an\u00e0lisi de la sol\u00b7licitud i signatura del nou contracte.[\/vc_column_text]<style>.vcex-heading.vcex_69e771f345bad{color:var(--wpex-accent-alt);font-size:20px;}<\/style><h3 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-mt-30 wpex-mb-15 vcex_69e771f345bad\"><span class=\"vcex-heading-inner wpex-inline-block\">\u00c9s necessari canviar de banc per refinan\u00e7ar?<\/span><\/h3>[vc_column_text css=&#8221;&#8221;]No necess\u00e0riament. Pots negociar amb el teu banc actual o subrogar la hipoteca a una altra entitat si ofereix millors condicions.[\/vc_column_text]<div class=\"vcex-module vcex-divider vcex-divider-solid vcex-divider-center wpex-mx-auto wpex-max-w-100 wpex-block wpex-h-0 wpex-border-b wpex-border-solid wpex-border-main\" style=\"width:100%;margin-block:30px;border-bottom-width:1px;border-color:#00000024;\"><\/div>[\/vc_column][\/vc_row][\/vc_section]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_section][vc_row][vc_column][vc_column_text css=&#8221;&#8221; font_size=&#8221;15px&#8221;]Refinan\u00e7ar una hipoteca pot ser una de les decisions financeres m\u00e9s intel\u00b7ligents si es fa amb coneixement i assessorament professional. Amb els tipus d\u2019inter\u00e8s en constant moviment i les necessitats personals que poden canviar amb el temps, con\u00e8ixer com ajustar la teva hipoteca et permetr\u00e0 estalviar diners i optimitzar la teva economia. En&hellip;<\/p>\n","protected":false},"author":1,"featured_media":13802,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[34,36],"tags":[],"post_series":[],"class_list":["post-13788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hipoteques","category-noticia-destacada-ca","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Guia pr\u00e0ctica per a refinan\u00e7ar la teva hipoteca pas a pas - \u00c0kteon<\/title>\n<meta name=\"description\" content=\"Descobreix com refinan\u00e7ar la teva hipoteca pas a pas. Gu\u00eda pr\u00e0ctica per estalviar diners ajustant el tipus d&#039;inter\u00e8s, termini o quota hipoteca\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Guia pr\u00e0ctica per a refinan\u00e7ar la teva hipoteca pas a pas - \u00c0kteon\" \/>\n<meta property=\"og:description\" content=\"Descobreix com refinan\u00e7ar la teva hipoteca pas a pas. Gu\u00eda pr\u00e0ctica per estalviar diners ajustant el tipus d&#039;inter\u00e8s, termini o quota hipoteca\" \/>\n<meta property=\"og:url\" content=\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/\" \/>\n<meta property=\"og:site_name\" content=\"\u00c0kteon\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-01T14:59:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-06T08:23:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/akteon.es\/wp-content\/uploads\/2025\/09\/Refinancar-Hipoteca.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"998\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/akteon.es\/#\/schema\/person\/2f47d7c67b83b21923c3ebd7950fab71\"},\"headline\":\"Guia pr\u00e0ctica per a refinan\u00e7ar la teva hipoteca pas a pas\",\"datePublished\":\"2025-09-01T14:59:55+00:00\",\"dateModified\":\"2026-03-06T08:23:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/\"},\"wordCount\":1400,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/akteon.es\/#organization\"},\"image\":{\"@id\":\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/akteon.es\/wp-content\/uploads\/2025\/09\/Refinancar-Hipoteca.jpg\",\"articleSection\":[\"Hipoteques\",\"Not\u00edcia Destacada\"],\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/\",\"url\":\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/\",\"name\":\"Guia pr\u00e0ctica per a refinan\u00e7ar la teva hipoteca pas a pas - \u00c0kteon\",\"isPartOf\":{\"@id\":\"https:\/\/akteon.es\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/akteon.es\/wp-content\/uploads\/2025\/09\/Refinancar-Hipoteca.jpg\",\"datePublished\":\"2025-09-01T14:59:55+00:00\",\"dateModified\":\"2026-03-06T08:23:55+00:00\",\"description\":\"Descobreix com refinan\u00e7ar la teva hipoteca pas a pas. Gu\u00eda pr\u00e0ctica per estalviar diners ajustant el tipus d'inter\u00e8s, termini o quota hipoteca\",\"breadcrumb\":{\"@id\":\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#primaryimage\",\"url\":\"https:\/\/akteon.es\/wp-content\/uploads\/2025\/09\/Refinancar-Hipoteca.jpg\",\"contentUrl\":\"https:\/\/akteon.es\/wp-content\/uploads\/2025\/09\/Refinancar-Hipoteca.jpg\",\"width\":1500,\"height\":998,\"caption\":\"Guia per refinan\u00e7ar una hipoteca\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/akteon.es\/ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Guia pr\u00e0ctica per a refinan\u00e7ar la teva hipoteca pas a pas\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/akteon.es\/#website\",\"url\":\"https:\/\/akteon.es\/\",\"name\":\"\u00c0kteon\",\"description\":\"Especialistes en hipoteques\",\"publisher\":{\"@id\":\"https:\/\/akteon.es\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/akteon.es\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/akteon.es\/#organization\",\"name\":\"\u00c0kteon\",\"url\":\"https:\/\/akteon.es\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/akteon.es\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/akteon.es\/wp-content\/uploads\/2026\/03\/Akteon_normal.svg\",\"contentUrl\":\"https:\/\/akteon.es\/wp-content\/uploads\/2026\/03\/Akteon_normal.svg\",\"caption\":\"\u00c0kteon\"},\"image\":{\"@id\":\"https:\/\/akteon.es\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/akteon.es\/#\/schema\/person\/2f47d7c67b83b21923c3ebd7950fab71\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/akteon.es\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b700de3fbacf65d2172195421a8a4e102dc309b05c27fcba8fef83dc40c8a1af?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b700de3fbacf65d2172195421a8a4e102dc309b05c27fcba8fef83dc40c8a1af?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"url\":\"https:\/\/akteon.es\/ca\/author\/admin2\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Guia pr\u00e0ctica per a refinan\u00e7ar la teva hipoteca pas a pas - \u00c0kteon","description":"Descobreix com refinan\u00e7ar la teva hipoteca pas a pas. Gu\u00eda pr\u00e0ctica per estalviar diners ajustant el tipus d'inter\u00e8s, termini o quota hipoteca","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/","og_locale":"ca_ES","og_type":"article","og_title":"Guia pr\u00e0ctica per a refinan\u00e7ar la teva hipoteca pas a pas - \u00c0kteon","og_description":"Descobreix com refinan\u00e7ar la teva hipoteca pas a pas. Gu\u00eda pr\u00e0ctica per estalviar diners ajustant el tipus d'inter\u00e8s, termini o quota hipoteca","og_url":"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/","og_site_name":"\u00c0kteon","article_published_time":"2025-09-01T14:59:55+00:00","article_modified_time":"2026-03-06T08:23:55+00:00","og_image":[{"width":1500,"height":998,"url":"https:\/\/akteon.es\/wp-content\/uploads\/2025\/09\/Refinancar-Hipoteca.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Escrit per":"admin","Temps estimat de lectura":"5 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#article","isPartOf":{"@id":"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/"},"author":{"name":"admin","@id":"https:\/\/akteon.es\/#\/schema\/person\/2f47d7c67b83b21923c3ebd7950fab71"},"headline":"Guia pr\u00e0ctica per a refinan\u00e7ar la teva hipoteca pas a pas","datePublished":"2025-09-01T14:59:55+00:00","dateModified":"2026-03-06T08:23:55+00:00","mainEntityOfPage":{"@id":"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/"},"wordCount":1400,"commentCount":0,"publisher":{"@id":"https:\/\/akteon.es\/#organization"},"image":{"@id":"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#primaryimage"},"thumbnailUrl":"https:\/\/akteon.es\/wp-content\/uploads\/2025\/09\/Refinancar-Hipoteca.jpg","articleSection":["Hipoteques","Not\u00edcia Destacada"],"inLanguage":"ca","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/","url":"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/","name":"Guia pr\u00e0ctica per a refinan\u00e7ar la teva hipoteca pas a pas - \u00c0kteon","isPartOf":{"@id":"https:\/\/akteon.es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#primaryimage"},"image":{"@id":"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#primaryimage"},"thumbnailUrl":"https:\/\/akteon.es\/wp-content\/uploads\/2025\/09\/Refinancar-Hipoteca.jpg","datePublished":"2025-09-01T14:59:55+00:00","dateModified":"2026-03-06T08:23:55+00:00","description":"Descobreix com refinan\u00e7ar la teva hipoteca pas a pas. Gu\u00eda pr\u00e0ctica per estalviar diners ajustant el tipus d'inter\u00e8s, termini o quota hipoteca","breadcrumb":{"@id":"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#primaryimage","url":"https:\/\/akteon.es\/wp-content\/uploads\/2025\/09\/Refinancar-Hipoteca.jpg","contentUrl":"https:\/\/akteon.es\/wp-content\/uploads\/2025\/09\/Refinancar-Hipoteca.jpg","width":1500,"height":998,"caption":"Guia per refinan\u00e7ar una hipoteca"},{"@type":"BreadcrumbList","@id":"https:\/\/akteon.es\/ca\/guia-practica-per-a-refinancar-la-teva-hipoteca\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/akteon.es\/ca\/"},{"@type":"ListItem","position":2,"name":"Guia pr\u00e0ctica per a refinan\u00e7ar la teva hipoteca pas a pas"}]},{"@type":"WebSite","@id":"https:\/\/akteon.es\/#website","url":"https:\/\/akteon.es\/","name":"\u00c0kteon","description":"Especialistes en hipoteques","publisher":{"@id":"https:\/\/akteon.es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/akteon.es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Organization","@id":"https:\/\/akteon.es\/#organization","name":"\u00c0kteon","url":"https:\/\/akteon.es\/","logo":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/akteon.es\/#\/schema\/logo\/image\/","url":"https:\/\/akteon.es\/wp-content\/uploads\/2026\/03\/Akteon_normal.svg","contentUrl":"https:\/\/akteon.es\/wp-content\/uploads\/2026\/03\/Akteon_normal.svg","caption":"\u00c0kteon"},"image":{"@id":"https:\/\/akteon.es\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/akteon.es\/#\/schema\/person\/2f47d7c67b83b21923c3ebd7950fab71","name":"admin","image":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/akteon.es\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b700de3fbacf65d2172195421a8a4e102dc309b05c27fcba8fef83dc40c8a1af?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b700de3fbacf65d2172195421a8a4e102dc309b05c27fcba8fef83dc40c8a1af?s=96&d=mm&r=g","caption":"admin"},"url":"https:\/\/akteon.es\/ca\/author\/admin2\/"}]}},"_links":{"self":[{"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/posts\/13788","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/comments?post=13788"}],"version-history":[{"count":6,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/posts\/13788\/revisions"}],"predecessor-version":[{"id":13806,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/posts\/13788\/revisions\/13806"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/media\/13802"}],"wp:attachment":[{"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/media?parent=13788"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/categories?post=13788"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/tags?post=13788"},{"taxonomy":"post_series","embeddable":true,"href":"https:\/\/akteon.es\/ca\/wp-json\/wp\/v2\/post_series?post=13788"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}